Prudential Research & Perspectives Our original research and thought leadership provide vital insights into important issues for our clients, financial professionals, policymakers, and the general public.

The point at which children leave home is a critical juncture, and a time that parents can reduce expenses to improve their retirement readiness, according to the latest research findings from the Center for Retirement Research at Boston College.

The gig work model has been adopted by both emerging and established firms and is fundamentally changing the employer-employee relationship. This Prudential sponsored survey seeks to understand the profiles of gig workers, exploring the consequences for workers’ pay, benefits and job security while identifying ways to help them achieve financial wellness.

Based on a 2017 CFO Research report, which was done in collaboration with Prudential, this article looks at the satisfaction levels of finance chiefs whose companies have purchased a group annuity to transfer pension risk as well as the trends which led to the decision to de-risk.

Families entitled to receive Social Security survivor benefits may be surprised to learn that those benefits could be reduced or even eliminated based on the Earnings Test. Learn how the creative use of life insurance may help bridge the income gap in instances where the Earnings Test applies.

Women’s average retirement account balances are one-third lower than those of men. In this report, Prudential explores the reasons behind this shortfall and outlines how plan sponsors can help close the retirement income gender gap through customized plan design and education focusing on participants’ financial wellness.

Prudential’s research sheds light on employees’ self-assessment of their financial wellness. Among the findings: an alarming 57% of employees are very or somewhat stressed about their financial situation. Fortunately, employers can help employees achieve financial security and wellness.

Prudential surveyed students and graduates to explore how student loan debt has become a source of both financial and emotional stress, affecting a multitude of financial decisions and life events. This report shares important lessons learned and outlines action steps students can take to make smarter choices about paying for college.

This paper describes how a financial wellness approach to employer-sponsored benefit programs, focused on helping employees achieve financial security, can help improve the wellness of employees and employers alike – a result Prudential terms “The Wellness Effect.”

Having employees able to retire “on time” is a win/win scenario for both employees and employers. This paper explores the financial impact on employers when that doesn’t happen, and offers best practices to help employers build a financially secure workforce.

This brief, based on National Retirement Risk Index (NRRI) research, explores how employers can play a role in improving their employees’ financial health through wellness programs that help employees self-assess their retirement preparedness.